Investors meeting with developer at construction site of new city district

Investment Risk

jacobted blog, Investment Management Leave a Comment

You are ready to invest. There are so many questions that should be answered before you open an account or work with an advisor. Make sure you take the time to review the investment policy statement (IPS). An IPS will allow you to hold each other accountable.

Life and health insurance policy concept idea. Finance and insurance.

Healthcare Planning

jacobted blog, Financial Planning Leave a Comment

Maybe you get your health insurance through your employer. What happens when that option is no longer available to you or your family? You need a strategy to cover your health expenses for your entire life, not just your working life, or your current employer.

Happy family at home with life insurance

Life Insurance

jacobted blog, Financial Planning Leave a Comment

Your family depends on you. Life insurance is but one tool in your risk mitigation strategy. With so many choices, how do you know that you have the right amount and type of coverage? Let’s talk today – you don’t have to do this alone.

young pretty busy woman working on laptop, busy paper stickers, consentration, student in class room, top view on table with stationery, do not disturb

Working Hard vs. Addicted to Work

jacobted Behavioral Finance, blog Leave a Comment

My quote in my high school yearbook was the same as my father’s: “Hard work fascinates me, I could sit and watch it all day.” While the nature of work continues to evolve over time, my fascination is with the individual worker and not the actual work. Being a workaholic is not the same as being a smart worker, a strategic and efficient worker, or a creative thinker. Too many entrepreneurs think that working more will lead to greater success, but this is not true — instead, it may lead to becoming obsessed with the work, rather than the results.  …

Shocked american manager using his personal computer

Managing Through a Crisis

jacobted blog

Is it just a coincidence that the month of April is both Financial Awareness Month AND Alcohol Awareness Month? What is divine providence trying to tell us? The answer lies in the similarities between people who struggle with addiction and people who struggle with finances. As a Financial Advisor and a parent of a child in recovery, I chose to specialize in helping families who are battling addiction. I can state from experience that the road to recovery is long, winding and requires an EZ Pass! These families are going through a crisis in every sense of the word. Just …

Diverse adults gambling shoot

Is Investing Gambling?

jacobted blog, Investment Management Leave a Comment

As someone who has worked on Wall Street for 30+ years, the answer for individual investors is yes. The individual investor is at an informational disadvantage. There is a reason Wall Street and successful fund managers have technology and data budgets in the tens of millions of dollars and pay their portfolio managers, security analysts, and programmers hundreds of thousands of dollars each year. The gargantuan amount of information available through exchange tick data, news sources, social media, access to senior management, and financial statements is critical to making successful investment decisions. Professional investors using state of the art technology …

Couple Looking At Domestic Finances At Home Together

What is the Meaning of Diversification?

jacobted blog, Financial Planning Leave a Comment

While the question is simple, the answer is not. Below I have listed several factors where diversification plays a role in reducing risk in an investment portfolio. Asset allocation Most people think of asset allocation when considering if their portfolio is properly diversified. We allocate our monies across the following three (3) asset classes: equities, fixed income, and cash. The decision to include an asset class is based upon their historical correlation with other asset classes. Correlation measures the strength of the relationship between two asset classes, where the value can range from +1 (perfectly correlated) to 0 (no relationship) …